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@ilovejeshua My income is below the cut off to contribute to R.IRA so I believe this is not relevant to my case

@stevenj So I can tell my old 401(k) employer to mail me a check made out to my new 401k company. Hold onto it for any length of time I choose and hand it to my new 401k provider and everything is fine? Like I said, I could be misinformed so this was good/ productive

@pmattson Just the 60-Day rule and the potential of losing the check instead of ACH or wire. Maybe I’m misinformed/uneducated, but I feel that should be an option in 2024. But, like you pointed out, my feelings don’t trump Empower’s actions. But to me these companies are quick to take IN money...

@pmattson Yeah that’s true lol. I can do HSA & brokerage acct rollovers with little issues, but you can forget about just filing a 401(k) from your phone.. But thanks. I’m likely going to double check that empower reps were being truthful and then if they are then I’ll just rip indirect...

@luke2242 Thanks!

@luke2242 Where does the 60-day rule come into play? Any fees? Fidelity did this thing with my HSA. I submitted a form in their website and that’s it! It transfers few weeks later… does this exist within 401k-401k world?

@pmattson I’d prefer to just do a direct rollover from my old employer 401(k) to my new employers 401(k). Empower (old) said they can only mail a check to my personal address. What would you do?

@ilovejeshua What’re you saying exactly? I rollover a traditional 401(k) to a traditional IRA, and I can’t do a back door Roth conversion 15 years from now?

Old employer’s custodian - Empower. Empower told me three different times over the phone that they do not do direct rollovers to my new 401(k). I refuse to do the 60-Day check bs, to be honest (I don’t want to deal with it). What’s the downside to creating a IRA, to rollover? I already have a...